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Home » Admissions » International Candler » International Student Insurance Coverage

Requirements for a Comparable Insurance Plan

In order for a health plan to meet the mandatory health insurance requirement, the plan must have at a minimum:

  1. A deductible not greater than $500 per policy year or $200 per individual illness or injury.
  2. Coverage at 80 percent of Covered Medical Expenses, payable up to $50,000 for each illness/injury.
  3. Coverage at 100 percent of additional Covered Medical Expenses over $50,000, until a maximum benefit amount of $250,000 for each illness/injury has been paid.
  4. Coverage for mental health expenses:
    * Inpatient – minimum of fourteen days of hospital confinement covered
    * Outpatient – 80 percent coverage up to $3,500
  5. Coverage that allows patient to receive emergency, specialist and inpatient care, and diagnostic testing and procedures in Atlanta, GA.
  6. Coverage for medical evacuation and repatriation of remains to the Insured Person’s place of residence in his or her home country ($10,000 for evacuation; $7,500 for repatriation).
  7. Underwriting by an insurance company domiciled in the United States.

U.S. Dept. of State regulations state that all J-1 exchange visitors and their J-2 dependents must have adequate health coverage in the U.S. as of September 1, 1994, and also specify minimum coverage. If you are a J-1 Student, the plan must also meet one or more of the following criteria:

  1. Part of a group benefits program offered to enrolled students by a designated sponsor or
  2. A health maintenance organization (HMO) that is federally qualified as determined by the Health Care Financing Administration (HCFA) of the U.S. Department of Health and Human Services or
  3. A Competitive Medical Plan (CMP) as determined by the Health Care Financing Administration (HCFA) of the U.S. Department of Health and Human Services or
  4. Underwritten by an insurance company having an AM Best rating of "A-" or above. An Insurance Solvency International, LTD. (ISI) rating of "A-" or above, a Standard & Poor’s Claims-paying Ability rating of "A-" or above, or a Weiss Research, Inc Rating of "B+" or above